PPO Health Insurance
Your health is your greatest asset.
PPO Health Insurance Benefits
A Preferred Provider Organization (PPO) is a popular health insurance option for individuals and families seeking coverage for medical care and prescription needs.
A PPO connects you with a network of medical providers and facilities that offer services at pre-negotiated rates, helping you save on healthcare costs.
After purchasing a PPO policy, you’ll make regular premium payments—usually monthly, but bi-yearly or annual options are often available. When you visit a doctor or specialist, you’ll typically pay a copay upfront.
Once you’ve met your deductible—the out-of-pocket amount you’re responsible for—most PPO plans will cover the remaining costs for care within the policy period. Some plans continue to require copays even after meeting the deductible, while others eliminate them.
Why Eleos? Because we care about your people as much as you do.
Whether you're here to explore the differences between a PPO and HMO or have questions about coverage options that fit your lifestyle, our seasoned health insurance specialists are here to simplify PPOs.
We take the time to get to know you personally, ensuring that the options we provide align with your unique needs.
And our support doesn’t end once your coverage is in place.
We’re with you every step of the way, ensuring you get the most out of your healthcare coverage.
Because while insurance is our business, you are our priority.
If you’re looking to explore health plan options, our benefits specialists are here and ready to help.
Partner with a specialist who values your people. We start by listening and end with tailored solutions. Our PPO health insurance policies are crafted with your needs in mind.
Whether you're seeking coverage for yourself, your family, or your employees, Eleos’ experienced team of health insurance specialists is here to guide you, ensuring a smooth and informed process.
After all, the peace of mind and well-being that health insurance provides is invaluable.
What’s the difference between a PPO and HMO?
If you're considering health insurance, you’ve probably come across the term HMO, or Health Maintenance Organization. While an HMO operates similarly to a PPO, there are some key differences worth noting.
One of the most significant distinctions lies in how you access care. With a PPO, you have the flexibility to visit any in-network care provider without needing a referral. In contrast, an HMO requires you to select a Primary Care Physician (PCP) as a gateway to specialist services.
Your PCP acts as your central point of care. To see a specialist, you must first visit your PCP, who will assess your needs. If specialist care is necessary, your PCP will refer you to a provider within the network, enabling your coverage for those services.
In contrast, a PPO plan doesn’t require a referral for specialist care. You can directly visit any in-network provider of your choice. Additionally, PPO plans often offer the benefit of partial coverage for out-of-network providers, which can be advantageous for frequent travelers or those with unexpected medical needs.
What about POS and EPO Plans?
Point of Service Plans
Though less well-known than HMOs and PPOs, Point of Service (POS) and Exclusive Provider Organization (EPO) plans are two popular health insurance alternatives that are worth considering.
Exclusive Provider Organization Plans
Like HMOs, Exclusive Provider Organization (EPO) plans only cover visits to in-network care providers. However, unlike an HMO, most EPO plans don't require a primary care physician’s referral for specialist visits. EPOs also typically offer larger doctor networks compared to some HMO and PPO options.
Why Choose an HMO over a PPO?
Given the advantages PPO plans offer, you might wonder why someone would choose an HMO instead. The answer often comes down to cost.
HMOs typically have lower monthly premiums compared to similar PPO plans. They may also feature lower deductibles, making the upfront cost of health insurance more affordable.
However, it’s essential to consider the total cost of care, not just premiums and deductibles. For individuals with chronic conditions or frequent medical needs, a PPO might save money in the long run, as it eliminates the need for referrals to see specialists.
Additionally, those who travel frequently or wish to keep their out-of-network doctor might find that a PPO, despite its higher premiums, offers greater flexibility and potentially lower overall costs.
Not Sure Where to Start? Let's Talk.
A great plan begins with a conversation. If you’re unsure where to start, we’re here to listen and guide you. Let’s discuss your needs and find the right solution together.
